(1) For owner’s policies of title insurance and loan policies of title insurance insuring purchase money mortgages, such search and examination shall be conducted by a title insurance agent or an employee of a<?xml:namespace prefix = o />

title insurance company licensed to do business in this state or an ab-

stracter licensed to do business in this state.

Looks like refi search people don't need to be licenced.   Also looks like there should be independent (non-title company sponsored) licensed abstractors.